Call reports 2019
CITIZENS STATE BANK AND TRUST COMPANY — 2019
What CITIZENS STATE BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 87,498,000 | 81,918,000 | 82,328,000 | 86,547,000 |
| Total loans | 54,554,000 | 54,970,000 | 54,210,000 | 51,133,000 |
| Allowance for loan losses | 629,000 | 631,000 | 636,000 | 634,000 |
| Securities available for sale | 17,299,000 | 16,260,000 | 15,545,000 | 27,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,725,000 | 62,560,000 | 61,964,000 | 67,289,000 |
| Interest-bearing deposits | 51,760,000 | 47,645,000 | 47,249,000 | 54,182,000 |
| Noninterest-bearing deposits | 16,965,000 | 14,915,000 | 14,715,000 | 13,107,000 |
| Equity capital | 14,755,000 | 14,908,000 | 15,000,000 | 15,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 872,000 | 1,763,000 | 2,614,000 | 3,476,000 |
| Interest expense | 46,000 | 95,000 | 144,000 | 197,000 |
| Net interest income | 826,000 | 1,668,000 | 2,470,000 | 3,279,000 |
| Noninterest income | 193,000 | 300,000 | 467,000 | 732,000 |
| Noninterest expense | 571,000 | 1,197,000 | 1,795,000 | 2,494,000 |
| Provision for loan losses | 198,000 | 198,000 | 203,000 | 203,000 |
| Pretax income | 250,000 | 573,000 | 939,000 | 1,314,000 |
| Income tax | 15,000 | 26,000 | 43,000 | 55,000 |
| Net income | 235,000 | 547,000 | 896,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,752,000 | 14,822,000 | 14,934,000 | 15,059,000 |
| Total capital | 15,381,000 | 15,453,000 | 15,570,000 | 15,693,000 |
| Risk-weighted assets | 62,087,000 | 61,733,000 | 60,454,000 | 54,823,000 |